mobile paymentshttp://blogs.forrester.com/taxonomy/term/1354/all
enExpect Faster Adoption Of Apple Pay In The UKhttp://blogs.forrester.com/thomas_husson/15-07-09-expect_faster_adoption_of_apple_pay_in_the_uk
<p>At the beginning of the year, Forrester made the call that <a href="https://www.forrester.com/The+Future+Of+Mobile+Wallets+Lies+Beyond+Payments/quickscan/-/E-res115506">the future of mobile wallets lies beyond payments</a>. By adding marketing value beyond payments -- such as integration of loyalty rewards, coupons and many other services, wallets will become marketing platforms complementing merchants&#39; own integrated apps.</p>
<p>Consumers want a better shopping experience, not better payment systems. By adding support for rewards programs (from the likes of Walgreens or Kohl's) and store-issued credit and debit cards, Apple will make this fall a first step in building a more integrated mobile wallet. The rebranding of Passbook to Wallet represents an explicit push by Apple toward a more comprehensive, consumer-friendly solution.</p>
<p>Less than a year after launching in the US, consumer adoption of Apple Pay is modest but encouraging, all the more Apple Pay has quickly become a trusted solution.</p>
<p>I believe adoption in the UK will be faster than in the US for a number of different reasons:</p><a href="http://blogs.forrester.com/thomas_husson/15-07-09-expect_faster_adoption_of_apple_pay_in_the_uk" title="Read the rest of &#039;Expect Faster Adoption Of Apple Pay In The UK&#039;." class="node_read_more">Read more</a><div class="categories"><h3>Categories:</h3><ul class="links"><li class="taxonomy_term_12872 first"><a href="/category/apple_pay" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Apple Pay</a></li>
<li class="taxonomy_term_13313"><a href="/category/zapp" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Zapp</a></li>
<li class="taxonomy_term_1354"><a href="/category/mobile_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile payments</a></li>
<li class="taxonomy_term_10694 last"><a href="/category/mobile_wallets" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile wallets</a></li>
</ul></div>http://blogs.forrester.com/thomas_husson/15-07-09-expect_faster_adoption_of_apple_pay_in_the_uk#commentsApple PayB2C MarketingZappmobile paymentsmobile walletsThu, 09 Jul 2015 17:54:44 +0000Thomas Husson11772 at http://blogs.forrester.comThe Future Of Mobile Wallets Lies Beyond Paymentshttp://blogs.forrester.com/thomas_husson/15-02-09-the_future_of_mobile_wallets_lies_beyond_payments
<p>Apple Pay makes up more than $2 out of $3 spent on purchases using contactless payment across the three major US card networks. I <a href="http://mashable.com/2015/01/29/apple-pay-mobile-payment-pie/">agree</a> with my colleague Sucharita Mulpuru that this is likely a big chunk of a small pie, considering the lower maturity of the mobile contactless ecosystem in the US. It&#39;s always better to look for absolute value. In this regard, PayPal processed $46 billion in mobile payment volume in 2014, up 68% over 2013.</p>
<p>Should marketers care about mobile wallets? Yes. Mobile wallets are not just about mobile payments. Consumers want a better shopping experience. Offering faster or more-secure payments is not enough; wallet providers will have to solve real pain points, such as giving consumers the ability to see what's on stored value cards at any moment in time, access loyalty points, or automatically receive digital copies of payment receipts. In particular, 57% of US online adult smartphone users are interested in having access to loyalty program points and rewards within a mobile wallet. Access to loyalty rewards from brands is the most wanted feature from consumers, and it&#39;s the one least integrated in mobile wallets today.</p><a href="http://blogs.forrester.com/thomas_husson/15-02-09-the_future_of_mobile_wallets_lies_beyond_payments" title="Read the rest of &#039;The Future Of Mobile Wallets Lies Beyond Payments&#039;." class="node_read_more">Read more</a><div class="categories"><h3>Categories:</h3><ul class="links"><li class="taxonomy_term_12987 first"><a href="/category/alipay" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Alipay</a></li>
<li class="taxonomy_term_185"><a href="/category/amazon" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Amazon</a></li>
<li class="taxonomy_term_12872"><a href="/category/apple_pay" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Apple Pay</a></li>
<li class="taxonomy_term_10184"><a href="/category/google_wallet" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Google Wallet</a></li>
<li class="taxonomy_term_10958"><a href="/category/starbucks" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Starbucks</a></li>
<li class="taxonomy_term_12464"><a href="/category/mobile_moments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile moments</a></li>
<li class="taxonomy_term_1354"><a href="/category/mobile_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile payments</a></li>
<li class="taxonomy_term_10694 last"><a href="/category/mobile_wallets" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile wallets</a></li>
</ul></div>http://blogs.forrester.com/thomas_husson/15-02-09-the_future_of_mobile_wallets_lies_beyond_payments#commentsAlipayAmazonApple PayB2C MarketingGoogle WalletStarbucksmobile momentsmobile paymentsmobile walletsMon, 09 Feb 2015 17:40:04 +0000Thomas Husson11426 at http://blogs.forrester.comBare Metal Clouds – Performance and Isolation Drive Considerationhttp://blogs.forrester.com/richard_fichera/14-12-16-bare_metal_clouds_performance_and_isolation_drive_consideration
<p>I've been talking to a number of users and providers of bare-metal cloud services, and am finding the common threads among the high-profile use cases both interesting individually and starting to connect some dots in terms of common use cases for these service providers who provide the ability to provision and use dedicated physical servers with very similar semantics to the common VM IaaS cloud - servers that can be instantiated at will in the cloud, provisioned with a variety of OS images, be connected to storage and run applications. The differentiation for the customers is in behavior of the resulting images:</p>
<ul>
<li><strong>Deterministic performance -</strong> Your workload is running on a dedicated resource, so there is no question of any "noisy neighbor" problem, or even of sharing resources with otherwise well-behaved neighbors.</li>
</ul>
<ul>
<li><strong>Extreme low latency -</strong> Like it or not, VMs, even lightweight ones, impose some level of additional latency compared to bare-metal OS images. Where this latency is a factor, bare-metal clouds offer a differentiated alternative.</li>
</ul>
<ul>
<li><strong>Raw performance -</strong> Under the right conditions, a single bare-metal server can process more work than a collection of VMs, even when their nominal aggregate performance is similar. Benchmarking is always tricky, but several of the bare metal cloud vendors can show some impressive comparative benchmarks to prospective customers.</li>
</ul>
<p>So why use a bare-metal cloud if you are going to end up running your workloads on dedicated physical servers? The pressures that drive workloads to bare-metal clouds are in essence the same ones that push virtualized workloads to clouds, dominated by two factors:</p><a href="http://blogs.forrester.com/richard_fichera/14-12-16-bare_metal_clouds_performance_and_isolation_drive_consideration" title="Read the rest of &#039;Bare Metal Clouds – Performance and Isolation Drive Consideration&#039;." class="node_read_more">Read more</a><div class="categories"><h3>Categories:</h3><ul class="links"><li class="taxonomy_term_356 first"><a href="/category/analytics" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Analytics</a></li>
<li class="taxonomy_term_239"><a href="/category/ibm" rel="tag" alt="See other content with this tag." title="See other content with this tag.">IBM</a></li>
<li class="taxonomy_term_472"><a href="/category/iaas" rel="tag" alt="See other content with this tag." title="See other content with this tag.">IaaS</a></li>
<li class="taxonomy_term_399"><a href="/category/intel" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Intel</a></li>
<li class="taxonomy_term_12991"><a href="/category/internap" rel="tag" alt="See other content with this tag." title="See other content with this tag.">InterNap</a></li>
<li class="taxonomy_term_1292"><a href="/category/kvm" rel="tag" alt="See other content with this tag." title="See other content with this tag.">KVM</a></li>
<li class="taxonomy_term_1333"><a href="/category/linux" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Linux</a></li>
<li class="taxonomy_term_12992"><a href="/category/ovh" rel="tag" alt="See other content with this tag." title="See other content with this tag.">OVH</a></li>
<li class="taxonomy_term_1243"><a href="/category/servers" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Servers</a></li>
<li class="taxonomy_term_11777"><a href="/category/softlayer" rel="tag" alt="See other content with this tag." title="See other content with this tag.">SoftLayer</a></li>
<li class="taxonomy_term_248"><a href="/category/vmware" rel="tag" alt="See other content with this tag." title="See other content with this tag.">VMWare</a></li>
<li class="taxonomy_term_9381"><a href="/category/vms" rel="tag" alt="See other content with this tag." title="See other content with this tag.">VMs</a></li>
<li class="taxonomy_term_9378"><a href="/category/big_data" rel="tag" alt="See other content with this tag." title="See other content with this tag.">big data</a></li>
<li class="taxonomy_term_238"><a href="/category/cloud_computing" rel="tag" alt="See other content with this tag." title="See other content with this tag.">cloud computing</a></li>
<li class="taxonomy_term_11351"><a href="/category/customer_service_mobile_customer_service_crm" rel="tag" alt="See other content with this tag." title="See other content with this tag.">customer service; mobile customer service; CRM</a></li>
<li class="taxonomy_term_1354"><a href="/category/mobile_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile payments</a></li>
<li class="taxonomy_term_9206 last"><a href="/category/x86" rel="tag" alt="See other content with this tag." title="See other content with this tag.">x86</a></li>
</ul></div>http://blogs.forrester.com/richard_fichera/14-12-16-bare_metal_clouds_performance_and_isolation_drive_consideration#commentsAnalyticsIBMIT InfrastructureIaaSIntelInterNapKVMLinuxOVHServersSoftLayerVMWareVMsbig datacloud computingcustomer service; mobile customer service; CRMmobile paymentsx86Tue, 16 Dec 2014 12:06:31 +0000Richard Fichera11293 at http://blogs.forrester.comWhat To Learn From The Japanese Mobile-Centric Markethttp://blogs.forrester.com/thomas_husson/14-05-23-what_to_learn_from_the_japanese_mobile_centric_market
<p>Japanese consumers are among the most mobile-savvy in the world: They were shopping, banking, and gaming on mobile phones long before consumers in other nations. The Japanese mobile ecosystem used to be unique; telecom operators specified to Japanese handset manufacturers the design of services to implement on multimedia phones. This is changing in an app world.</p>
<p>Indeed, the mobile market is opening up quickly to the smartphone app ecosystem. While Japan is a mobile-centric society, smartphone adoption has lagged behind other major markets. Many international brands launched their first mCommerce initiatives in Japan several years ago, but the market subsequently disappeared from the innovation radar due to the US-centric smartphone app ecosystem. But this is changing. It is time to take another look at Japan to uncover how the nation is combining innovation and scale as its market embraces smartphone apps.</p>
<p>More than a decade ago, I had the opportunity to work with NTT DoCoMo to introduce i-mode -- the mobile multimedia service in France. At that time, Japan was clearly two to three years ahead of the rest of the mobile world. The Japanese market -- and more specifically, the i-mode business model -- is rumored to have inspired Steve Jobs to launch the Apple App Store. After that, Silicon Valley became the new source of innovation and inspiration for mobile marketers. Now that the app ecosystem has come full circle, marketers should again consider mobile marketing in Japan, benefiting from a more open ecosystem to distribute their apps and engage with Japanese customers. I recently spent a full week in Japan, and it is fascinating to see the relationship people have with mobile phones over there.</p>
<p>There are lots of lessons to learn from the likes of Rakuten, Line, Felica, Softbank, or NTT DoCoMo and from a mature ecosystem of mobile contactless and connective-tissue technologies.</p><a href="http://blogs.forrester.com/thomas_husson/14-05-23-what_to_learn_from_the_japanese_mobile_centric_market" title="Read the rest of &#039;What To Learn From The Japanese Mobile-Centric Market&#039;." class="node_read_more">Read more</a><div class="categories"><h3>Categories:</h3><ul class="links"><li class="taxonomy_term_389 first"><a href="/category/apps" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Apps</a></li>
<li class="taxonomy_term_718"><a href="/category/japan" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Japan</a></li>
<li class="taxonomy_term_12411"><a href="/category/line" rel="tag" alt="See other content with this tag." title="See other content with this tag.">LINE</a></li>
<li class="taxonomy_term_125"><a href="/category/mobile_marketing" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Mobile marketing</a></li>
<li class="taxonomy_term_1355"><a href="/category/nfc" rel="tag" alt="See other content with this tag." title="See other content with this tag.">NFC</a></li>
<li class="taxonomy_term_10183"><a href="/category/ntt_docomo" rel="tag" alt="See other content with this tag." title="See other content with this tag.">NTT DoCoMo</a></li>
<li class="taxonomy_term_12629"><a href="/category/rakuten" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Rakuten</a></li>
<li class="taxonomy_term_12630"><a href="/category/softbank" rel="tag" alt="See other content with this tag." title="See other content with this tag.">SoftBank</a></li>
<li class="taxonomy_term_10615"><a href="/category/contactless" rel="tag" alt="See other content with this tag." title="See other content with this tag.">contactless</a></li>
<li class="taxonomy_term_235"><a href="/category/mobile" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile</a></li>
<li class="taxonomy_term_1354 last"><a href="/category/mobile_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile payments</a></li>
</ul></div>http://blogs.forrester.com/thomas_husson/14-05-23-what_to_learn_from_the_japanese_mobile_centric_market#commentsAppsB2C MarketingJapanLINEMobile marketingNFCNTT DoCoMoRakutenSoftBankcontactlessmobilemobile paymentsFri, 23 May 2014 14:41:49 +0000Thomas Husson10654 at http://blogs.forrester.comBeyond Marketing: How Mobile Is Transforming McDonald's Francehttp://blogs.forrester.com/thomas_husson/14-04-17-beyond_marketing_how_mobile_is_transforming_mcdonalds_france
<p>At the beginning of the year in our yearly mobile predictions <a href="http://www.forrester.com/Predictions+2014+Mobile+Trends+For+Marketers/quickscan/-/E-RES109681">report</a>, my colleague Julie Ask and I made the following call: &quot;mobile will affect more than just your digital operations -- it will transform your entire business. 2014 will be the year that companies increase investments to transform their businesses with mobile as a focal point.&quot; McDonald's France is a great example of such a trend.</p>
<p>In France, you can now order a Big Mac anytime, anywhere on your smartphone, tablet, or desktop and pick it up later at any of 1,200 McDonald's restaurants. But mobile ordering and in-store pick up are just the first steps of a broader and more ambitious strategy: differentiating McDonald's brand experience and powering a future relationship marketing platform by enabling direct behavioral customer insights. Although it started with a mobile ordering and payment app nationwide, McDonald's France aims to transform all points of customer engagement by building a platform to extend new services to loyal customers and evolving the entire organization.</p>
<p>Despite a less mature mobile ecosystem and lower mobile usage than in the US, McDonald's France was the first subsidiary of McDonald's to launch a mobile ordering offering at scale. Such an ordering service is only at pilot stage in the US. France is McDonald's second-biggest market after the United States, with &euro;4.35 billion in turnover in 2012. Most other countries had piloted mobile payments so far. With more than 16 million members, McDonald's Japan mobile couponing and in-store contactless payment services is the only other mobile service for McDonald's (and the vast majority of brands) that has scaled massively, but it does not yet offer the same value.</p><a href="http://blogs.forrester.com/thomas_husson/14-04-17-beyond_marketing_how_mobile_is_transforming_mcdonalds_france" title="Read the rest of &#039;Beyond Marketing: How Mobile Is Transforming McDonald&amp;#039;s France&#039;." class="node_read_more">Read more</a><div class="categories"><h3>Categories:</h3><ul class="links"><li class="taxonomy_term_9800 first"><a href="/category/age_of_the_customer" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Age of the Customer</a></li>
<li class="taxonomy_term_11235"><a href="/category/apple_passbook" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Apple Passbook</a></li>
<li class="taxonomy_term_12525"><a href="/category/ddb" rel="tag" alt="See other content with this tag." title="See other content with this tag.">DDB</a></li>
<li class="taxonomy_term_11674"><a href="/category/digital_transformation" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Digital Transformation</a></li>
<li class="taxonomy_term_12524"><a href="/category/mcdonalds" rel="tag" alt="See other content with this tag." title="See other content with this tag.">McDonald&#039;s</a></li>
<li class="taxonomy_term_11740"><a href="/category/mobile_mind_shift" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Mobile Mind Shift</a></li>
<li class="taxonomy_term_125"><a href="/category/mobile_marketing" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Mobile marketing</a></li>
<li class="taxonomy_term_9650"><a href="/category/paypal" rel="tag" alt="See other content with this tag." title="See other content with this tag.">PayPal</a></li>
<li class="taxonomy_term_12526"><a href="/category/worldline" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Worldline</a></li>
<li class="taxonomy_term_11424"><a href="/category/mobile_loyalty" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile loyalty</a></li>
<li class="taxonomy_term_1354 last"><a href="/category/mobile_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile payments</a></li>
</ul></div>http://blogs.forrester.com/thomas_husson/14-04-17-beyond_marketing_how_mobile_is_transforming_mcdonalds_france#commentsAge of the CustomerApple PassbookB2C MarketingDDBDigital TransformationMcDonald'sMobile Mind ShiftMobile marketingPayPalWorldlinemobile loyaltymobile paymentsThu, 17 Apr 2014 21:54:23 +0000Thomas Husson10538 at http://blogs.forrester.comKaching Lowers The Barriers To Mobile Payment Adoptionhttp://blogs.forrester.com/benjamin_ensor/13-04-23-kaching_lowers_the_barriers_to_mobile_payment_adoption
<p><a href="https://itunes.apple.com/au/app/commbank-kaching/id475728226?mt=8"></a>Ten years ago, Forrester published some research with the slightly awkward title of 'New Payment Systems' Survival Guide'. One of our findings was that many successful new payment systems have some kind of 'must-have' transaction that encourages customers to go through the hassle of learning how to use a new system in the first place. Good examples of 'must-have' transactions include <a href="http://www.ebay.com">eBay</a>'s auctions for <a href="http://www.paypal.com">PayPal</a>, travel to work for <a href="http://www.tfl.gov.uk">Transport for London</a>'s <a href="http://www.tfl.gov.uk/tickets/14836.aspx">Oyster</a>, and online shopping for <a href="http://www.ideal.nl">iDeal</a>.</p>
<p>Ever since, I've been seeking the 'must-have' transaction that will spark consumer adoption of mobile payments in developed economies. But what if there isn't one? (And, after 10 years, it's probably time to admit that there isn't). The answer is to focus relentlessly on both lowering the barriers to mobile payment by making it as easy as possible for customers to use a new system and to increase the benefits by maximizing the number of ways and places customers can use a system.</p>
<p><a href="http://www.commbank.com.au/mobile/commbank-kaching/what-is-kaching.html"></a>This is what makes <a class="ext" href="http://www.commbank.com.au/" target="_blank">Commonwealth Bank of Australia</a>'s Kaching app for both the <a href="http://www.commbank.com.au/mobile/commbank-kaching/what-is-kaching.aspx">iPhone</a> and <a href="http://www.commbank.com.au/mobile/commbank-kaching/what-is-kaching-android.html">Android</a> such an interesting model. The app lets customers make a wide variety of different payments:</p><a href="http://blogs.forrester.com/benjamin_ensor/13-04-23-kaching_lowers_the_barriers_to_mobile_payment_adoption" title="Read the rest of &#039;Kaching Lowers The Barriers To Mobile Payment Adoption&#039;." class="node_read_more">Read more</a><div class="categories"><h3>Categories:</h3><ul class="links"><li class="taxonomy_term_132 first"><a href="/category/australia" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Australia</a></li>
<li class="taxonomy_term_146"><a href="/category/best_practices" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Best practices</a></li>
<li class="taxonomy_term_9223"><a href="/category/commonwealth_bank_of_australia" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Commonwealth Bank of Australia</a></li>
<li class="taxonomy_term_10233"><a href="/category/contactless_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">contactless payments</a></li>
<li class="taxonomy_term_10440"><a href="/category/digital_financial_innovation" rel="tag" alt="See other content with this tag." title="See other content with this tag.">digital financial innovation</a></li>
<li class="taxonomy_term_10581"><a href="/category/mobile_apps" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile apps</a></li>
<li class="taxonomy_term_819"><a href="/category/mobile_banking" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile banking</a></li>
<li class="taxonomy_term_1354 last"><a href="/category/mobile_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile payments</a></li>
</ul></div>http://blogs.forrester.com/benjamin_ensor/13-04-23-kaching_lowers_the_barriers_to_mobile_payment_adoption#commentsAustraliaBest practicesCommonwealth Bank of Australiacontactless paymentsdigital financial innovationeBusiness Strategymobile appsmobile bankingmobile paymentsTue, 23 Apr 2013 17:55:18 +0000Benjamin Ensor9168 at http://blogs.forrester.comMWC 2013: More Global And More Disruptive Than Ever Beforehttp://blogs.forrester.com/thomas_husson/13-02-24-mwc_2013_more_global_and_more_disruptive_than_ever_before
<p>It's that time of the year: the pilgrimage to the Mobile Mecca, Mobile World Congress (MWC), in Barcelona. This is my 10<sup>th </sup>pilgrimage in a row and, needless to say, the event has changed tremendously over the past few years - from 3GSM in Cannes to the new venue in Barcelona this year. While CTIA is still very US-centric and CES is still a lot about TVs, MWC is really the only global mobile event with a strong presence of operators and handset manufacturers from all over the world. Every year the show becomes not only more global, but also more open to new categories of players -- such as advertisers and developers -- willing to make the most of mobile technologies, and more open to connected devices that go far beyond the traditional definition of a mobile phone. Markets are colliding and mobile innovation is at the center of these upheavals. MWC used to be a telecom show focusing mainly on mobile technologies, but the event is now bringing together people from every industry.</p>
<p>In the light of today's first announcements, here is my take on how to put in perspective the announcements to be made at MWC 2013 in the coming days:</p><a href="http://blogs.forrester.com/thomas_husson/13-02-24-mwc_2013_more_global_and_more_disruptive_than_ever_before" title="Read the rest of &#039;MWC 2013: More Global And More Disruptive Than Ever Before&#039;." class="node_read_more">Read more</a><div class="categories"><h3>Categories:</h3><ul class="links"><li class="taxonomy_term_9946 first"><a href="/category/digital_disruption" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Digital Disruption</a></li>
<li class="taxonomy_term_10147"><a href="/category/huawei" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Huawei</a></li>
<li class="taxonomy_term_10439"><a href="/category/mobile_world_congress" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Mobile World Congress</a></li>
<li class="taxonomy_term_11217"><a href="/category/mozilla" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Mozilla</a></li>
<li class="taxonomy_term_9129"><a href="/category/samsung" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Samsung</a></li>
<li class="taxonomy_term_235"><a href="/category/mobile" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile</a></li>
<li class="taxonomy_term_1354"><a href="/category/mobile_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile payments</a></li>
<li class="taxonomy_term_236 last"><a href="/category/smartphone" rel="tag" alt="See other content with this tag." title="See other content with this tag.">smartphone</a></li>
</ul></div>http://blogs.forrester.com/thomas_husson/13-02-24-mwc_2013_more_global_and_more_disruptive_than_ever_before#commentsB2C MarketingDigital DisruptionHuaweiMobile World CongressMozillaSamsungmobilemobile paymentssmartphoneSun, 24 Feb 2013 23:13:47 +0000Thomas Husson8923 at http://blogs.forrester.comThe Data Digest: Understanding The Drivers For The Uptake Of Mobile Paymentshttp://blogs.forrester.com/reineke_reitsma/13-02-01-the_data_digest_understanding_the_drivers_for_the_uptake_of_mobile_payments
<p>Mobile payments saw continued innovation and competitive disruption throughout 2012, but consumer adoption lagged behind the industry hype. The <a href="http://www.forrester.com/home#/US+Mobile+Payments+Forecast+2013+To+2017/quickscan/-/E-RES89161" target="_blank">Forrester Research Mobile Payments Forecast, 2012 To 2017 (US)</a> shows that US consumers will adopt mobile payments at an accelerating rate over the next five years, reaching $90 billion by the end of 2017. Lower barriers to adoption, increased convenience, and early entrants striving for scale will be important drivers of growth.</p>
<p>Although the mobile wallet marketplace is still in its early stages today, players across the ecosystem are vying for consumer trust. Trust is often based on prior experiences: <a href="http://www.forrester.com/home#/data/consumer" target="_blank">Forrester's North American Technographics&reg; Retail Online Benchmark Recontact Survey, Q3 2012 (US)</a> shows that nearly half of current US PayPal users would trust PayPal as their mobile wallet provider. However, for those who don&#39;t use PayPal, the most trusted source is a bank or credit card issuer.</p>
<p>The recently published Forrester report "<a href="http://www.forrester.com/home#/How+PayPal+Uses+Exploratory+Research+To+Drive+A+Culture+Of+CustomerFocused+Innovation/fulltext/-/E-RES59110" target="_blank">How PayPal Uses Exploratory Research To Drive A Culture Of Customer-Focused Innovation</a>" shows how PayPal conducts exploratory research to understand the tradeoffs and emotions related to consumer payment behaviors to create better products and experiences. The insights gathered from the research helped the product development process.</p><a href="http://blogs.forrester.com/reineke_reitsma/13-02-01-the_data_digest_understanding_the_drivers_for_the_uptake_of_mobile_payments" title="Read the rest of &#039;The Data Digest: Understanding The Drivers For The Uptake Of Mobile Payments&#039;." class="node_read_more">Read more</a><div class="categories"><h3>Categories:</h3><ul class="links"><li class="taxonomy_term_9650 first"><a href="/category/paypal" rel="tag" alt="See other content with this tag." title="See other content with this tag.">PayPal</a></li>
<li class="taxonomy_term_129"><a href="/category/technographics" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Technographics</a></li>
<li class="taxonomy_term_196"><a href="/category/data_digest" rel="tag" alt="See other content with this tag." title="See other content with this tag.">The Data Digest</a></li>
<li class="taxonomy_term_224"><a href="/category/consumer_behavior" rel="tag" alt="See other content with this tag." title="See other content with this tag.">consumer behavior</a></li>
<li class="taxonomy_term_1354 last"><a href="/category/mobile_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile payments</a></li>
</ul></div>http://blogs.forrester.com/reineke_reitsma/13-02-01-the_data_digest_understanding_the_drivers_for_the_uptake_of_mobile_payments#commentsData InsightsPayPalTechnographicsThe Data Digestconsumer behaviormobile paymentsFri, 01 Feb 2013 09:31:33 +0000Reineke Reitsma8803 at http://blogs.forrester.comAn NRF Retrospectivehttp://blogs.forrester.com/peter_sheldon/13-01-17-an_nrf_retrospective
<p>As the annual retail pilgrimage to the Jacob Javits Center draws to a close, I started wondering if anything has changed since last year. As I met with Forrester's retail clients during the show, it was clear that this is no longer just a brick-and-mortar show. The retailers I met with had all sent a delegation of cross-functional executives, including the CIO, COO, CMO, SVP of eCommerce, and head of store operations. These leaders are no longer working in organizational silos: they know that they need to find technology solutions that meet the needs of today's digitally connected customer, not the needs of their legacy channel-centric business units. I was impressed at the way these retailers are embracing and executing on <a href="http://blogs.forrester.com/martin_gill/12-11-27-agile_commerce_thats_forresters_word_for_omnichannel_right">agile commerce</a>.</p>
<p>On the expo floor, the same theme was abundantly clear. NRF has evolved to become a retail commerce show, not just a retail technology show. Joining the incumbent store systems and POS vendors were all the enterprise eCommerce solution providers, order management vendors, system integration firms, and digital agencies. Whereas last year was all about mobile, with hastily developed prototypes and lots of vaporware, this year the expo floor was a place more grounded in reality. Strategic relationships were abundant, with vendors realizing that customers are demanding integrated solution suites that go far beyond the scope of their own product portfolio. As I did my rounds of expo floor booth visits, executive briefings, and product demos, here's what I found:</p><a href="http://blogs.forrester.com/peter_sheldon/13-01-17-an_nrf_retrospective" title="Read the rest of &#039;An NRF Retrospective&#039;." class="node_read_more">Read more</a><div class="categories"><h3>Categories:</h3><ul class="links"><li class="taxonomy_term_9604 first"><a href="/category/agile_commerce" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Agile Commerce</a></li>
<li class="taxonomy_term_890"><a href="/category/order_management_hubs" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Order Management Hubs</a></li>
<li class="taxonomy_term_136"><a href="/category/ecommerce" rel="tag" alt="See other content with this tag." title="See other content with this tag.">eCommerce</a></li>
<li class="taxonomy_term_10125"><a href="/category/mobile_pos" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile POS</a></li>
<li class="taxonomy_term_1354"><a href="/category/mobile_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile payments</a></li>
<li class="taxonomy_term_10560"><a href="/category/mobile_wallet" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile wallet</a></li>
<li class="taxonomy_term_10022"><a href="/category/online_retail" rel="tag" alt="See other content with this tag." title="See other content with this tag.">online retail</a></li>
<li class="taxonomy_term_525 last"><a href="/category/retail" rel="tag" alt="See other content with this tag." title="See other content with this tag.">retail</a></li>
</ul></div>http://blogs.forrester.com/peter_sheldon/13-01-17-an_nrf_retrospective#commentsAgile CommerceOrder Management HubseBusiness StrategyeCommercemobile POSmobile paymentsmobile walletonline retailretailThu, 17 Jan 2013 18:18:10 +0000Peter Sheldon8726 at http://blogs.forrester.comWhy Visa’s V.me Digital Wallet Matters To eBusinesshttp://blogs.forrester.com/benjamin_ensor/12-11-23-why_visas_vme_digital_wallet_matters_to_ebusiness
<p>I attended a briefing from <a href="http://www.visa.co.uk" target="_blank">Visa Europe</a> yesterday, about its <a href="http://www.v.me" target="_blank">V.me</a> digital wallet. Here's what Visa said:<a href="http://uk.v.me/"></a></p><a href="http://blogs.forrester.com/benjamin_ensor/12-11-23-why_visas_vme_digital_wallet_matters_to_ebusiness" title="Read the rest of &#039;Why Visa’s V.me Digital Wallet Matters To eBusiness&#039;." class="node_read_more">Read more</a><div class="categories"><h3>Categories:</h3><ul class="links"><li class="taxonomy_term_11235 first"><a href="/category/apple_passbook" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Apple Passbook</a></li>
<li class="taxonomy_term_11203"><a href="/category/bbva" rel="tag" alt="See other content with this tag." title="See other content with this tag.">BBVA</a></li>
<li class="taxonomy_term_128"><a href="/category/europe" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Europe</a></li>
<li class="taxonomy_term_9189"><a href="/category/france" rel="tag" alt="See other content with this tag." title="See other content with this tag.">France</a></li>
<li class="taxonomy_term_10184"><a href="/category/google_wallet" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Google Wallet</a></li>
<li class="taxonomy_term_9652"><a href="/category/mastercard" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Mastercard</a></li>
<li class="taxonomy_term_9650"><a href="/category/paypal" rel="tag" alt="See other content with this tag." title="See other content with this tag.">PayPal</a></li>
<li class="taxonomy_term_1279"><a href="/category/retail_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Retail Payments</a></li>
<li class="taxonomy_term_9286"><a href="/category/spain" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Spain</a></li>
<li class="taxonomy_term_1096"><a href="/category/uk" rel="tag" alt="See other content with this tag." title="See other content with this tag.">UK</a></li>
<li class="taxonomy_term_9651"><a href="/category/visa" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Visa</a></li>
<li class="taxonomy_term_11236"><a href="/category/visa_europe" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Visa Europe</a></li>
<li class="taxonomy_term_10233"><a href="/category/contactless_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">contactless payments</a></li>
<li class="taxonomy_term_10229"><a href="/category/digital_wallets" rel="tag" alt="See other content with this tag." title="See other content with this tag.">digital wallets</a></li>
<li class="taxonomy_term_136"><a href="/category/ecommerce" rel="tag" alt="See other content with this tag." title="See other content with this tag.">eCommerce</a></li>
<li class="taxonomy_term_819"><a href="/category/mobile_banking" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile banking</a></li>
<li class="taxonomy_term_1354"><a href="/category/mobile_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile payments</a></li>
<li class="taxonomy_term_9494"><a href="/category/online_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">online payments</a></li>
<li class="taxonomy_term_10022"><a href="/category/online_retail" rel="tag" alt="See other content with this tag." title="See other content with this tag.">online retail</a></li>
<li class="taxonomy_term_525 last"><a href="/category/retail" rel="tag" alt="See other content with this tag." title="See other content with this tag.">retail</a></li>
</ul></div>http://blogs.forrester.com/benjamin_ensor/12-11-23-why_visas_vme_digital_wallet_matters_to_ebusiness#commentsApple PassbookBBVAEuropeFranceGoogle WalletMastercardPayPalRetail PaymentsSpainUKVisaVisa Europecontactless paymentsdigital walletseBusiness StrategyeCommercemobile bankingmobile paymentsonline paymentsonline retailretailFri, 23 Nov 2012 15:00:05 +0000Benjamin Ensor8536 at http://blogs.forrester.comMobile Banking And Payment Innovation In Francehttp://blogs.forrester.com/benjamin_ensor/12-09-21-mobile_banking_and_payment_innovation_in_france
<p><em>This is a guest post from Myriam Da Costa, a researcher serving eBusiness &amp; Channel Strategy professionals. </em></p>
<p>France has been quick to embrace mobile banking. Banks like <a href="http://www.bnpparibas.net">BNP Paribas</a> and <a href="http://www.societegenerale.fr">Soci&eacute;t&eacute; G&eacute;n&eacute;rale</a> were among the pioneers of mobile banking in Europe and since 2009, all of the big French banks have launched iPhone mobile banking apps, so most French banks now offer several forms of mobile banking. The first wave of mobile banking was about getting the basics down and offering customers functionality like balances, transaction histories and SMS alerts. The second wave now focuses on money transfers and payments.</p>
<p>As we wrote in our report on <a href="http://www.forrester.com/go?docid=61399">The State Of Mobile Banking In Europe 2012</a>, mobile banking is the foundation for mobile payments. France&#39;s banks and mobile operators are moving fast to seize the opportunity. In the past two years there has been a wave of new mobile payment initiatives in France: Buyster, Cityzi, Kwixo, Kix and S-money.</p><a href="http://blogs.forrester.com/benjamin_ensor/12-09-21-mobile_banking_and_payment_innovation_in_france" title="Read the rest of &#039;Mobile Banking And Payment Innovation In France&#039;." class="node_read_more">Read more</a><div class="categories"><h3>Categories:</h3><ul class="links"><li class="taxonomy_term_11049 first"><a href="/category/bnp_paribas" rel="tag" alt="See other content with this tag." title="See other content with this tag.">BNP Paribas</a></li>
<li class="taxonomy_term_11050"><a href="/category/credit_agricole" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Crédit Agricole</a></li>
<li class="taxonomy_term_9189"><a href="/category/france" rel="tag" alt="See other content with this tag." title="See other content with this tag.">France</a></li>
<li class="taxonomy_term_10526"><a href="/category/orange" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Orange</a></li>
<li class="taxonomy_term_10911"><a href="/category/societe_generale" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Société Générale</a></li>
<li class="taxonomy_term_10233"><a href="/category/contactless_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">contactless payments</a></li>
<li class="taxonomy_term_10440"><a href="/category/digital_financial_innovation" rel="tag" alt="See other content with this tag." title="See other content with this tag.">digital financial innovation</a></li>
<li class="taxonomy_term_10229"><a href="/category/digital_wallets" rel="tag" alt="See other content with this tag." title="See other content with this tag.">digital wallets</a></li>
<li class="taxonomy_term_819"><a href="/category/mobile_banking" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile banking</a></li>
<li class="taxonomy_term_1354 last"><a href="/category/mobile_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile payments</a></li>
</ul></div>http://blogs.forrester.com/benjamin_ensor/12-09-21-mobile_banking_and_payment_innovation_in_france#commentsBNP ParibasCrédit AgricoleFranceOrangeSociété Généralecontactless paymentsdigital financial innovationdigital walletseBusiness Strategymobile bankingmobile paymentsFri, 21 Sep 2012 14:06:32 +0000Benjamin Ensor8199 at http://blogs.forrester.comOne Fifth Of European Mobile Users Use Mobile Bankinghttp://blogs.forrester.com/benjamin_ensor/12-07-18-one_fifth_of_european_mobile_users_use_mobile_banking
<p>The longer we spend researching mobile banking, the more convinced I become that mobile banking is the most important innovation, or cluster of innovations, in retail banking in years, arguably in a century. Here's why I think mobile banking is a much bigger deal than cash machines (ATMs), credit cards or home-based online banking:</p>
<ul>
<li>In developing economies that lack a dense infrastructure of branches, ATMs and fixed-line telecoms, mobile banking and payments are bringing millions of people into the formal banking system for the first time.</li>
<li>In developed economies mobile banking will become the primary way many, perhaps most, customers interact with their banks. Banks need mobile banking to provide a platform for mobile payments and to protect their retail payments businesses from <a href="http://www.forrester.com/go?docid=60852">digital disruption</a> as mobile payments start to replace card payments in shops.</li>
</ul>
<p>We've just published some <a href="http://www.forrester.com/go?docid=61399">new research on mobile banking in Europe</a>. Here are some of our main findings:</p><a href="http://blogs.forrester.com/benjamin_ensor/12-07-18-one_fifth_of_european_mobile_users_use_mobile_banking" title="Read the rest of &#039;One Fifth Of European Mobile Users Use Mobile Banking&#039;." class="node_read_more">Read more</a><div class="categories"><h3>Categories:</h3><ul class="links"><li class="taxonomy_term_10165 first"><a href="/category/bankinter" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Bankinter</a></li>
<li class="taxonomy_term_10690"><a href="/category/digital_banking" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Digital Banking</a></li>
<li class="taxonomy_term_9946"><a href="/category/digital_disruption" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Digital Disruption</a></li>
<li class="taxonomy_term_128"><a href="/category/europe" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Europe</a></li>
<li class="taxonomy_term_9189"><a href="/category/france" rel="tag" alt="See other content with this tag." title="See other content with this tag.">France</a></li>
<li class="taxonomy_term_9282"><a href="/category/germany" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Germany</a></li>
<li class="taxonomy_term_9285"><a href="/category/italy" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Italy</a></li>
<li class="taxonomy_term_178"><a href="/category/mobile_strategy" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Mobile strategy</a></li>
<li class="taxonomy_term_9283"><a href="/category/netherlands" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Netherlands</a></li>
<li class="taxonomy_term_145"><a href="/category/retail_banking" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Retail banking</a></li>
<li class="taxonomy_term_10911"><a href="/category/societe_generale" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Société Générale</a></li>
<li class="taxonomy_term_9286"><a href="/category/spain" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Spain</a></li>
<li class="taxonomy_term_9284"><a href="/category/sweden" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Sweden</a></li>
<li class="taxonomy_term_129"><a href="/category/technographics" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Technographics</a></li>
<li class="taxonomy_term_1096"><a href="/category/uk" rel="tag" alt="See other content with this tag." title="See other content with this tag.">UK</a></li>
<li class="taxonomy_term_819"><a href="/category/mobile_banking" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile banking</a></li>
<li class="taxonomy_term_1354 last"><a href="/category/mobile_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile payments</a></li>
</ul></div>http://blogs.forrester.com/benjamin_ensor/12-07-18-one_fifth_of_european_mobile_users_use_mobile_banking#commentsBankinterDigital BankingDigital DisruptionEuropeFranceGermanyItalyMobile strategyNetherlandsRetail bankingSociété GénéraleSpainSwedenTechnographicsUKeBusiness Strategymobile bankingmobile paymentsWed, 18 Jul 2012 19:53:24 +0000Benjamin Ensor7964 at http://blogs.forrester.comWith O2 Wallet, The Disruptive Mobile Payment Space Is Heating Uphttp://blogs.forrester.com/thomas_husson/12-04-26-with_o2_wallet_the_disruptive_mobile_payment_space_is_heating_up
<p>A year ago, Forrester stated that <a href="http://www.forrester.com/Mobile+Payments+Enter+A+Disruptive+Phase/-/E-RES57184?intcmp=blog:forrlink&amp;docid=57184&amp;cm_mmc=Forrester-_-Blogs-_-Related%20Research-_-7040">mobile payments were entering a disruptive phase</a>. More recently, my colleague <a href="http://www.forrester.com/benjamin-ensor">Benjamin Ensor</a> elaborated on <a href="http://blogs.forrester.com/benjamin_ensor/11-11-25-the_battle_for_the_digital_wallet">the battle for the digital wallet</a>.</p>
<p>Mobile digital wallets are emerging and going beyond payment. New technologies, mixing QR codes, apps, personal financial management software, NFC, and many more, are combining to convert mobile handsets into digital wallets that combine not just payments but also receipts, vouchers, and loyalty. Beyond the convenience of using the phone for payment, consumers will benefit from post-transaction elements such as location-based coupons or enhanced product information at the point of sale (POS).</p>
<p>We've not seen a single day without a new product launch, start-up creation, or acquisition -- or a new strategic alliance between banks, payment networks, Internet firms, or mobile operators.</p>
<p>So what's new today? Telefonica 02 just announced the launch of O2 Wallet in the UK.</p>
<p>We believe that the O2 Wallet is, for now, the most comprehensive mobile payment solution in the UK - available to a majority of smartphone owners, whether they are O2 customers or not. The new product combines the following functions:</p><a href="http://blogs.forrester.com/thomas_husson/12-04-26-with_o2_wallet_the_disruptive_mobile_payment_space_is_heating_up" title="Read the rest of &#039;With O2 Wallet, The Disruptive Mobile Payment Space Is Heating Up&#039;." class="node_read_more">Read more</a><div class="categories"><h3>Categories:</h3><ul class="links"><li class="taxonomy_term_10184 first"><a href="/category/google_wallet" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Google Wallet</a></li>
<li class="taxonomy_term_10695"><a href="/category/o2" rel="tag" alt="See other content with this tag." title="See other content with this tag.">O2</a></li>
<li class="taxonomy_term_390"><a href="/category/product_innovation" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Product Innovation</a></li>
<li class="taxonomy_term_764"><a href="/category/telefonica" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Telefonica</a></li>
<li class="taxonomy_term_9651"><a href="/category/visa" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Visa</a></li>
<li class="taxonomy_term_9803"><a href="/category/ebay" rel="tag" alt="See other content with this tag." title="See other content with this tag.">eBay</a></li>
<li class="taxonomy_term_1354"><a href="/category/mobile_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile payments</a></li>
<li class="taxonomy_term_10694 last"><a href="/category/mobile_wallets" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile wallets</a></li>
</ul></div>http://blogs.forrester.com/thomas_husson/12-04-26-with_o2_wallet_the_disruptive_mobile_payment_space_is_heating_up#commentsB2C MarketingGoogle WalletO2Product InnovationTelefonicaVisaeBaymobile paymentsmobile walletsThu, 26 Apr 2012 11:44:22 +0000Thomas Husson7654 at http://blogs.forrester.comFinovate Europe 2012: Innovation In Digital Financial Serviceshttp://blogs.forrester.com/benjamin_ensor/12-02-07-finovate_europe_2012_innovation_in_digital_financial_services
<p>A number of people asked me to repeat <a href="http://blogs.forrester.com/benjamin_ensor/11-02-01-some_observations_from_finovate_europe">my blog post from last year</a> with my impressions from Finovate, so I thought I would.</p>
<p>For those of you who aren't familiar with <a href="http://www.finovate.com/">Finovate</a>, it's a fast-paced format with seven-minute live demos and pitches from 35 financial technology vendors. It's produced by <a href="http://www.onlinebankingreport.com/">Online Financial Innovations</a>, the people behind the excellent <a href="http://www.netbanker.com">NetBanker</a> blog.</p>
<p>I was lucky enough to go along to the show in London today. Unlike last year, when four or five themes dominated the day, this year's exhibitors were more diverse. Among them were:</p><a href="http://blogs.forrester.com/benjamin_ensor/12-02-07-finovate_europe_2012_innovation_in_digital_financial_services" title="Read the rest of &#039;Finovate Europe 2012: Innovation In Digital Financial Services&#039;." class="node_read_more">Read more</a><div class="categories"><h3>Categories:</h3><ul class="links"><li class="taxonomy_term_10368 first"><a href="/category/digital_financial_technology" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Digital financial technology</a></li>
<li class="taxonomy_term_128"><a href="/category/europe" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Europe</a></li>
<li class="taxonomy_term_10367"><a href="/category/finovate" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Finovate</a></li>
<li class="taxonomy_term_77"><a href="/category/innovation" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Innovation</a></li>
<li class="taxonomy_term_9495"><a href="/category/next_generation_digital_financial_services" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Next generation digital financial services</a></li>
<li class="taxonomy_term_347"><a href="/category/online_banking" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Online banking</a></li>
<li class="taxonomy_term_9493"><a href="/category/online_financial_technology" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Online financial technology</a></li>
<li class="taxonomy_term_9204"><a href="/category/personal_financial_management" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Personal Financial Management</a></li>
<li class="taxonomy_term_145"><a href="/category/retail_banking" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Retail banking</a></li>
<li class="taxonomy_term_9580"><a href="/category/retail_investments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Retail investments</a></li>
<li class="taxonomy_term_9498"><a href="/category/social_investing" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Social investing</a></li>
<li class="taxonomy_term_10440"><a href="/category/digital_financial_innovation" rel="tag" alt="See other content with this tag." title="See other content with this tag.">digital financial innovation</a></li>
<li class="taxonomy_term_819"><a href="/category/mobile_banking" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile banking</a></li>
<li class="taxonomy_term_1354"><a href="/category/mobile_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile payments</a></li>
<li class="taxonomy_term_10370 last"><a href="/category/small_business_banking" rel="tag" alt="See other content with this tag." title="See other content with this tag.">small business banking</a></li>
</ul></div>http://blogs.forrester.com/benjamin_ensor/12-02-07-finovate_europe_2012_innovation_in_digital_financial_services#commentsDigital financial technologyEuropeFinovateInnovationNext generation digital financial servicesOnline bankingOnline financial technologyPersonal Financial ManagementRetail bankingRetail investmentsSocial investingdigital financial innovationeBusiness Strategymobile bankingmobile paymentssmall business bankingTue, 07 Feb 2012 18:17:39 +0000Benjamin Ensor7317 at http://blogs.forrester.comForrester's CPS Practice Welcomes Our Newest Analyst - Denée Carrington!http://blogs.forrester.com/carlton_doty/11-12-15-forresters_cps_practice_welcomes_our_newest_analyst_denee_carrington
<p>Over the summer, I asked you all whether we are finally headed toward a <a href="http://blogs.forrester.com/carlton_doty/11-06-08-are_we_headed_toward_a_cashless_society">cashless society</a>. Since then the battle for the <a href="http://blogs.forrester.com/benjamin_ensor/11-11-25-the_battle_for_the_digital_wallet">digital wallet</a> has certainly heated up. Well today, I am thrilled to announce the newest addition to Forrester&#39;s Consumer Product Strategy practice. Her name is Den&eacute;e Carrington, and she will be joining us as a Senior Analyst, covering consumer payments, starting January 3, 2012. </p>
<p>To provide more specifics, here&#39;s a sneak peek at some of the coverage areas where Den&eacute;e will be able to help Forrester clients with consumer payment strategy in the new year:</p>
<ul>
<li>Defining the future of consumer payments</li>
<li>Managing a portfolio of payment products (e.g. credit, debit, prepaid, contactless, mobile, person-to-person (P2P), etc.)</li>
<li>The business models and profitability of these payment systems</li>
<li>Understanding the dynamics of customer (consumer and merchant) payment behavior</li>
<li>Understanding the payments needs of different markets</li>
<li>Sizing the different payments market opportunities</li>
<li>Driving customer (consumer and merchant) adoption of payments systems</li>
<li>Building and developing new payment systems</li>
<li>Optimizing existing payment products to improve security and increase convenience</li>
</ul>
<p>Den&eacute;e joins us from American Express, where she has held several senior-level positions spanning product development, mobile strategy, and digital strategy for payment products and member rewards over the past seven years. Her 20-year career also spans management consulting and senior marketing roles for major consumer brands like Starbucks and AT&amp;T. </p><a href="http://blogs.forrester.com/carlton_doty/11-12-15-forresters_cps_practice_welcomes_our_newest_analyst_denee_carrington" title="Read the rest of &#039;Forrester&amp;#039;s CPS Practice Welcomes Our Newest Analyst - Denée Carrington!&#039;." class="node_read_more">Read more</a><div class="categories"><h3>Categories:</h3><ul class="links"><li class="taxonomy_term_9807 first"><a href="/category/digital_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Digital payments</a></li>
<li class="taxonomy_term_157"><a href="/category/payments_evolutions" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Payments evolutions</a></li>
<li class="taxonomy_term_1279"><a href="/category/retail_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">Retail Payments</a></li>
<li class="taxonomy_term_10145"><a href="/category/digital_commerce" rel="tag" alt="See other content with this tag." title="See other content with this tag.">digital commerce</a></li>
<li class="taxonomy_term_10229"><a href="/category/digital_wallets" rel="tag" alt="See other content with this tag." title="See other content with this tag.">digital wallets</a></li>
<li class="taxonomy_term_494"><a href="/category/financial_services" rel="tag" alt="See other content with this tag." title="See other content with this tag.">financial services</a></li>
<li class="taxonomy_term_1354 last"><a href="/category/mobile_payments" rel="tag" alt="See other content with this tag." title="See other content with this tag.">mobile payments</a></li>
</ul></div>http://blogs.forrester.com/carlton_doty/11-12-15-forresters_cps_practice_welcomes_our_newest_analyst_denee_carrington#commentsCustomer InsightsDigital paymentsPayments evolutionsRetail Paymentsdigital commercedigital walletsfinancial servicesmobile paymentsThu, 15 Dec 2011 21:43:23 +0000Carlton Doty7120 at http://blogs.forrester.com